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401(k) / IRA On Track?

See if your current balance and contributions put you on track for retirement by your target age.

Are you on track?

Rules of thumb (e.g. "save 15%" or "have 10× salary by 67") are starting points, but your target depends on the income you want in retirement. This calculator projects your 401(k) and IRA growth to your chosen retirement age and compares it to a target balance—either one you set or one derived from a desired retirement income and withdrawal rate (e.g. 4% rule).

Your situation

When you plan to stop contributing and start drawing
Total you add per year (employer match included)
Long-term average; many use 5–7% real return
Or set from income below

Optional: set target from desired income

4% is a common rule of thumb